Portfolio Decumulation And Risk Management
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United States of America Patent
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Issued Date -
Aug 14, 2014
app pub date -
Feb 14, 2014
filing date -
Feb 14, 2013
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Abstract
A decumulation management system provides guidance for decumulation of a portfolio over a decumulation period of time. A spending amount is withdrawn from the portfolio during the decumulation period of time. The decumulation management system determines the probability of successfully withdrawing the spending amount during the remaining decumulation period and establishes thresholds for adjusting the spending amount and a risk profile of the portfolio based on the performance of the portfolio during the decumulation. When the portfolio value decreases below the thresholds, the spending amount may be reduced, and when the portfolio value exceeds the thresholds, the spending amount may be increased and the risk profile of the portfolio is decreased. The decumulation management system may provide recommendations based on these thresholds, or may automatically manage withdrawals of the spending amount and investments to match the risk profile.
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